COMPLETE BROCHURE & RATES TABLE
Inbound Immigrant Insurance
Underwritten by The Insurance Company of the State of Pennsylvania

Long Term Insurance for New Immigrants to the United States
Three months to 5 years of coverage.

Rates & Application at the bottom of this page.

Also see Medical Insurance for Visitors , International Citizen Series, ICE

WHY YOU NEED THIS PROGRAM?
While the United States offers the most comprehensive medical care available, it is often complicated as well as very expensive. For the visitor to the United States or the recent immigrant, finding a program that is easy to understand and reasonably priced is often difficult.

As a solution, Inbound Immigrant was developed to provide a simple program to visitors and immigrants that will provide up to 5 years of protection.

This is a brief description of the Inbound Immigrant program. Detailed wording is outlined in the Program Summary, which will be mailed to you once you have enrolled into Inbound Immigrant.

ELIGIBILITY
This program is available to non-United States citizens who come to the U.S. for business, pleasure, to study, or to immigrate. The program must become effective within 24 months of arrival in the United States.

PERIOD OF COVERAGE
You may initially enroll into Inbound Immigrant for between 1 and 12 months. If you initially purchase at least 3 months, you may continue to renew coverage for a minimum 3 months at a time, at the premium rate in force at the time of renewal. Total period of coverage for Inbound Immigrant cannot exceed 60 months and the product cannot be rewritten.

COVERED SERVICES INJURY AND SICKNESS BENEFIT LIMITS

	Age 14 days to Age 69	Age 14 days to Age 69		Age 70 and over
Maximum Limit	$50,000 Max per Injury / Sickness	$100,000 Max per Injury / Sickness		$50,000 Max per Injury / Sickness

INPATIENT	Age 14 days to Age 69	Age 14 days to Age 69	Age 70 and over
Hospital Room & Board including miscellaneous	$1275/day, 30 day max	$1750/day, 30 day max	$950/day, 30 day max
Hospital Intensive Care Unit	Additional $525/day, 8 day max	Additional $750/day, 8 day max	Additional $425/day, 8 day max
Surgical Treatment	$3000	$5000	$2500
Anesthetist	25% of surgical benefit	25% of surgical benefit	25% of surgical benefit
Assistant Surgeon	25% of surgical benefit	25% of surgical benefit	25% of surgical benefit
Physician's Non-Surgical Visits	$50/visit, 1/day, 30 visits	$75/day, 1/day, 30 visits	$50/visit, 1/day, 30 visits
Consultant Physician, when requested by attending Physician	$400	$450	$350
Pre-Admission Tests within 7 days before Hospital admission	$1000	$1000	$700
Private Duty Nurse	$500	$500	$500

OUTPATIENT	Age 14 days to Age 69	Age 14 days to Age 69	Age 70 and over
Surgical Treatment	$3000	$5000	$2500
Anesthetist	25% of surgical benefit	25% of surgical benefit	25% of surgical benefit
Assistant Surgeon	25% of surgical benefit	25% of surgical benefit	25% of surgical benefit
Physician's Non-Surgical Visits	$50/visit, 1/day, 10 visits	$75/visit, 1/day, 10 visits	$50/visit, 1/day, 10 visits
Diagnostic X-rays & Lab Services	$400 Additional $250 - One Cat scan, PET scan or MRI	$450 Additional $750 - One Cat scan, PET scan or MRI	$350 Additional $250 - One Cat scan, PET scan or MRI
Hospital Emergency Room	75% of U&C to $300	75% of U&C to $500	75% of U&C to $250
Prescription Drugs	$100	$150	$80
Day surgery miscellaneous, related to outpatient scheduled surgery performed at a Hospital or licensed outpatient surgery center; including the cost of operating room, anesthesia, drugs and medicines and medical supplies.	$900	$1000	$800

OTHERS	Age 14 days to Age 69	Age 14 days to Age 69	Age 70 and over
Ambulance Services	$400	$400	$400
Initial Orthopedic Prosthesis / brace	$1000	$1200	$800
Chemotherapy and / or radiation therapy	$1000	$1250	$800
Dental Treatment for Injury to Sound, Natural Teeth	$500	$500	$500
Mental & Nervous Disorder & Substance Abuse	Same as any Sickness	Same as any Sickness	Same as any Sickness
Maternity (conception occurs at least 90 days after your effective date)	$2500 Max	$2500 Max	N/A
Physiotherapy	$35/visit, 1/day, 12 visits	$35/visit, 1/day, 12 visits	$35/visit, 1/day, 12 visits
Emergency Evacuation	$10,000	$10,000	$10,000
Repatriation of Remains	$7,500	$7,500	$7,500
AD&D Principal Sum	$25,000 Common Carrier	$25,000 Common Carrier	$25,000 Common Carrier

Should an insured person turn 70 during the purchased coverage period, the 70 and over benefit schedule becomes effective upon the day the insured turns 70.

Click Here for Current Rates and Online Application
Please read the Benefits & Exclusions of this plan carefully before submitting your application.

Effective Date - Your coverage will begin on the latest of the following:

Your departure from your Home Country; or

The date your Application and premium are received by the Plan Administration; or

The date your Application and premium are accepted by the Plan Administration; or

The date you request on the Application.

Expiration Date - Your coverage will end on the earlier of the following:

The date shown on the Insurance Confirmation Card, for which premium has been paid; or

The date you return to your Home Country; or

60 months after your original Effective Date; or

The day an insured becomes a U.S. citizen; or

The date of entry into active military service.

Upon each renewal, rates, benefits, and program in general are subject to change.

RENEWAL
If Inbound Immigrant is initially purchased for at least three months, one month before the expiration date, the Plan Administrator will send a renewal notice to the Address of Correspondence listed on the application. Coverage may then be renewed for a period of time, depending upon your specific need. If you renew the coverage for 3 or more months (up to 12 months at a time), the Plan Administrator will continue to send renewal notices to you. If you renew the coverage for only 1 or 2 months, SRI will assume that you no longer require the coverage and will not send another renewal notice. Again, total period of coverage for Inbound Immigrant cannot exceed 60 months. Additionally, the company may change aspects of the program, including rates, at any renewal date.

SCHEDULE OF BENEFITS
When your covered Injury or Sickness requires treatment by a physician, this program will provide benefits for the Usual and Customary (U&C) charges scheduled below which exceed the chosen Per Person Deductible (either $75 or $150, or a $250 deductible for age 70 and over) for each Injury and each Sickness and which are incurred within the 52 weeks following the Injury or Sickness (within 32 weeks for those insureds age 70 and over). Payment for any covered service will be no more than the Benefit Limit shown for it. The total payable by all Benefits will be no more than $50,000 or $100,000 for each Injury and each Sickness.

For persons age 70 and over, the maximum benefit limit is $50,000, the period in which covered expenses must be incurred is 32 weeks following the Injury or Sickness, and a separate schedule applies.

Emergency Medical Evacuation Expenses
If you or any covered dependents become sick or injured during the period of coverage and it has been determined that an Emergency Medical Evacuation is required to either the nearest medical facility, where appropriate medical treatment can be obtained, or to your Country of Residence, all eligible expenses incurred are covered up to $10,000. An Emergency Medical Evacuation must be recommended by a legally licensed physician who certifies that the severity of the Injury or Sickness necessitates such Emergency Medical Evacuation, and agreed to by you or your representative. All arrangements must be coordinated by the Assistance Provider.

Repatriation of Mortal Remains Expenses
If Injury or Sickness commencing during the Period of Coverage results in death, all reasonable expenses incurred for preparation and return of the remains to the Country of Residence are covered up to a maximum of $7,500 provided that all arrangements are coordinated by the Assistance Provider.

Common Carrier Accidental Death and Dismemberment (AD&D)
Accidental Death and Dismemberment shall apply to covered accidents sustained by an insured person while riding as a passenger in or on any land, water or air conveyance operated under a license for the transportation of passengers for hire. A loss must occur within 365 days after the date of accident causing the loss:

For Loss of:	Indemnity
Life	Principal Sum
Both Hands or Both Feet or Sight of Both Eyes	Principal Sum
One Hand and One Foot	Principal Sum
Either Hand or Foot and Sight of One Eye	Principal Sum
Either Hand or Foot	One-Half the Principal Sum
Sight of One Eye	One-Half the Principal Sum

DEFINITIONS:
"Injury" means: bodily injury: (1) directly and independently caused by specific accident which is unrelated to any pathological, functional, or structural disorder of injury, (2) treated by a Physician within 30 days after the date of accident; and (3) which causes loss during the term of the policy.

"Sickness" means: sickness or disease of the insured Person which causes loss and originates while the Insured Person is covered under the policy. All related conditions and recurrent symptoms of the same or a similar condition will be considered one sickness.

"Pre-Existing Condition" means: (1) the existence of symptoms within the 6 months (or 12 months for persons 70 and older) immediately prior to the Insured's Effective Date under the policy, or, (2) any condition which originates, is diagnosed, treated or recommended for treatment within the 6 months (or 12 months for persons 70 and older) immediately prior to the Insured's Effective Date under the policy; or (3) congenital conditions.

"Usual and Customary Charges" means: a reasonable charge which is: (1) usual and customary when compared with the charges made for similar services and supplies; and (2) made to persons having similar medical conditions in the locality of the Policyholder. No payment will be made under the policy for any expenses incurred which in the judgment of the Company are in excess of Usual and Customary Charges.

EXCLUSIONS:
No benefits will be paid for loss or expense caused by, contributed to, or resulting from:

Pre-existing Conditions;

Any loss that occurs while traveling solely for the purpose of obtaining medical treatment while on a waiting list for a specific treatment, or while traveling against the advice of a physician;

Expense incurred within the Insured Person's Home Country or country of regular domicile;

Routine physical or other examinations where there are no objective indications of impairment of normal health, or well baby care;

Eye examinations; prescriptions or fitting of eyeglasses and contact lenses; or other treatment for visual defects and problems. "Visual defects: means any physical defect of the eye which does or can impair normal vision;

Hearing examinations or hearing aids; or other treatment for hearing defects and problems. "Hearing defects: means any physical defect of the ear which does or can impair normal hearing:

Dental treatment, except as the result of injury to sound, natural teeth as stated in the Schedule of Benefits:

Professional services rendered by a Member of the Insured Person's immediate family, or anyone who lives with the Insured Person;

Services or supplies not necessary for the medical care of the patient's injury or sickness;

Weak, strained or flat feet, corns, calluses, or toenails;

Cosmetic surgery, or treatment for congenital anomalies (except as specifically provided), except reconstructive surgery as the result of a covered Injury or Sickness. Correction of a deviated nasal septum is considered cosmetic surgery unless it results from a covered Injury or covered Sickness;

Elective Surgery and Elective Treatment;

Diagnostic or surgical procedures in connection with infertility unless infertility is a result of a covered Injury or covered Sickness;

Birth control, including surgical procedures and devices;

Routine new-born baby care, well-baby nursery and related Physician charges;

Participation in professional or intercollegiate athletics;

Injury or Sickness for which benefits are paid or payable under any Worker's Compensation or Occupational Disease Law or Act, or similar legislation;

Organ transplants;

War or any act of war, declared or undeclared; or while in the armed forces of any country (a pro-rata premium will be refunded upon request for such period not covered);

Participation in a riot or civil disorder, commission of or attempt to commit a felony in the country in which it was attempted or committed;

Suicide or attempted suicide (including drug overdose), while sane or insane (while sane in Missouri), or intentionally self-inflected Injury;

Charges of an institution, health service, or infirmary for whose service payment is not required in the absence of insurance;

Treatment of nervous or mental disorders, except as stated in the Schedule of Benefits, or treatment of alcoholism or drug abuse, except as provided for treatment of mental or nervous disorders, according to the Schedule of Benefits;

Loss incurred from riding in any aircraft, other than as a passenger in an aircraft licensed for the transportation of passengers;

Treatment services, supplies or facilities in a hospital owned or operated by: a) The Veteran's Administration; or b) A national government or any of its agencies. (This exclusion does not apply to treatment when a charge is made which the Insured is required by law to pay);

Duplicate services actually provided by both a certified nurse-midwife and Physician;

Expenses payable under any prior policy which was in force for the person making the claim;

Expenses incurred during a hospital emergency room visit which is not of an emergency nature;

Expenses incurred for outpatient treatment in connection with the detection or correction by manual or mechanical means of structural imbalance, distortion or sublimation in the human body for purposes of removing nerve interference and the effects thereof, where such interference is the result of or related to distortion, misalignment or subluxation of or in the vertebral column;

Injury sustained as the result of the Insured operating a motor vehicle while not properly licensed to do so in the jurisdiction the motor vehicle accident occurs;

Voluntary or elective abortion;

Expense covered by any other valid and collectible medical, health or accident insurance;

Expense incurred after the date insurance terminates for an Insured Person except as may be specifically provided;

Expenses incurred for injuries resulting from the use of alcohol or intoxicants, or any drugs unless prescribed by a Physician;

Sexually transmitted diseases, including AIDS.

Click Here for Current Rates and Online Application
Please read the Benefits & Exclusions of this plan carefully before submitting your application.

INBOUND IMMIGRANT MONTHLY RATES
(Effective January 1, 2007)
(Effective July 1, 2002)

$75 Per Injury / Sickness Deductible Per Person

	$50,000 Maximum	$100,000 Maximum
Age 2 weeks – 49	$65	$95
Age 50 - 69	$103	$145
Dependent Child (Age 2 weeks through age 18)	$54	$81

$150 Per Injury / Sickness Deductible Per Person

	$50,000 Maximum	$100,000 Maximum
Age 2 weeks – 49	$62	$91
Age 50 – 69	$100	$142
Dependent Child (Age 2 weeks through age 18)	$51	$76

$250 Per Injury / Sickness Deductible Per Person

	$50,000 Maximum	$100,000 Maximum
Age 70 – 79	$111	N/A
Age 80 +	$144	N/A

Dependent Child rate is applicable when at least one parent
will also be covered under Inbound Immigrant.

Please be aware that this is not a general health insurance policy, but an interim program intended for temporary use. Inbound Immigrant does not guarantee payment to a facility or individual for medical expenses until the Company determines that it is an eligible expense.

Refund of Premium
Refund of premium shall be considered only if written request is received by the Plan Administrator prior to the Effective Date of Coverage. After the Effective Date of Coverage, the premium is considered fully earned and non-refundable.

What You Will Receive
Upon successful enrollment in Inbound Immigrant, you will receive an information packet from. This packet will include your ID Card and Program Summary. The Program Summary describes all the benefits of Inbound Immigrant in complete detail. In addition, the Program Summary tells you the procedure for submitting claims.

The Insurance Company
Inbound Immigrant is underwritten by The Insurance Company of the State of Pennsylvania, a member company of the American International Group of Companies (AIG) and is rated A++ "Superior" by the A.M. Best Company.

Click Here for Current Rates and Online Application
Please read the Benefits & Exclusions of this plan carefully before submitting your application.

HERE'S THE FINE PRINT:
Availability, features, benefits and rates for all plans described on this site are subject to change without notice at the discretion of the insurance companies. This site is updated frequently, but we recommend contacting Sunburst Worldwide Insurance Services directly to be assured of getting the most up-to-date information available.

Copyright © 1999-2008 by Sunburst Worldwide Insurance Services. CA Insurance License #0B65721
Warning: All of the pages on this site are protected under U.S. and International copyright laws.
Reproduction by any means or for any purpose, except as specified on certain pages,
is not allowed without the express written permission of the copyright owner.

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INTERNATIONAL TRAVEL NEWS BRIEFS:
Please note that we at Sunburst Worldwide Insurance Services provides the International Travel News Briefs as a value-added service to our international clients and visitors of this website. Our International Travel News Briefs are updated frequently, in order to provide you with current and reliable news and events as quickly as we can. We have no control over the content of external websites, and links to various external news sources may become inactive at any time. We suggest that you bookmark our website and return frequently to check the current global news posted on our website.

East Asia / Pacific - China June 30, 2007
Special police for Beijing games
The Chinese authorities say they have established a special military unit to provide security for the Beijing Olympics next year.

Sub-Saharan Africa - Kenya May 5, 2007
Kenya Airways plane crashed
A Kenya Airways plane that crashed in Cameroon on Saturday has been found submerged in a swamp and there is no chance of any survivors, officials say.

Europe - France
France opens fastest railway link Mar. 15, 2007
France's fastest rail link to date has been inaugurated with the service's first train travelling from Paris to the east on Thursday afternoon. Trains on the line are set to travel at 320km/h (200mph). The service will open to passengers on 10 June when they will be able to travel further east to other EU states.

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East Asia / Pacific - Japan
Ban on liquids expanded for all international flights Feb. 26, 2007
Tokyo, Japan: In a move aimed at further thwarting terrorist attacks, passengers on all international flights will be prohibited from bringing aboard liquids in containers larger than 100 milliliters starting Thursday

Europe - Russia
Explosion in Russian McDonald's Feb. 19, 2007
An explosion at a McDonald's restaurant in the Russian city of St Petersburg has slightly injured six people with concussion and cuts from flying glass.

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Americas - Mexico
'Safest city' now has drug war Feb. 16, 2007
Monterrey, Mexico:: An affluent city just two hours from Texas is the newest battleground in a war between drug cartels

Sub-Saharan Africa - Guinea
Guinea Airport Situation Feb. 14, 2007
This warden message is being issued to update American citizens regarding information on Air France flights out of Guinea. A flight left Guinea for Paris yesterday. We believe Air France will try to operate flights to Paris starting Thursday, February 15 to Sunday February 19, 2007.

East Asia / Pacific - Indonesia
Bird flu virus kills Indonesian Feb. 9, 2007
West Java, Indonesia A 20-year-old woman in Indonesia who tested positive for bird flu has died, becoming the country's 64th human victim, a health official said

Americas - Brazil
Brazil airport hub faces revamp after court battle Feb.9,2007
SAO PAULO, Brazil (Reuters) -- Slick runways at Brazil's busiest airport will undergo major overhauls this month after officials tried to ban wide-body jets because of fears they could skid off its short landing strips, the airport's authority said Thursday.

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East Asia / Pacific - Vietnam
Vietnam plans new railway link Feb. 6, 2007
Hanoi: The Vietnamese authorities have approved plans to build a $33bn (£15bn) rail link between the capital, Hanoi, to Ho Chi Minh City in the south.

New Thailand airport off to rough start Feb. 2, 2007
BANGKOK, Thailand - The taxiways are cracked, the terminal has leaks and some airlines even wonder whether it's safe to fly into Thailand's new international airport.

Australians warned about crime in Caribbean Feb. 2, 2007
SYDNEY, Australia: The foreign affairs department said in an official travel advisory that fans needed to be aware of safety issues at the World Cup, to be hosted by six Caribbean nations from March 10 until April 28. "In some parts of the Caribbean, violent crime, including armed robbery, kidnapping and murder is common," the advisory said.

Breaking News that International Travelers Need to Know!

Complimentary Safe Passages for Smart TravelersSM

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UK Updated Polonium-210 Information Jan. 31, 2007
Europe - United Kingdom: This information is meant primarily for Americans who were in Britain from November through December 2006. It is an update to the December 11, 2006 warden message concerning events in the UK involving the radioactive material Polonium-210, which have caused concerns for possible public health risks.

Islamabad Marriott Hotel Attack
Pakistan - It was reported that on January 26, 2007, at approximately 2:37 p.m. local time, a bomb exploded at the back area of the Marriott Hotel in Islamabad, Pakistan.

Kidnap group leader nabbed
East Asia / Pacific - Philippines LINGAYEN -- A leader of the Pepino kidnap-for-ransom group was arrested Wednesday in Bolinao, Pangasinan Wednesday, police officials said.

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for Global Travel Medical, Accident, Life Insurance, Emergency Medical &
Political Evacuation, & Trip Cancellation

If you have any questions, please contact our friendly specialists.
info@worldwidemedicalplans.com
877-211-3654 or 559-294-0316

Copyright © 1999-2007 by Sunburst Worldwide Insurance Services. CA Insurance License #0B65721
Warning: All of the pages on this site are protected under U.S. and International copyright laws.
Reproduction by any means or for any purpose, except as specified on certain pages,
is not allowed without the express written permission of the copyright owner.

New Thailand airport off to rough start Feb. 2, 2007 BANGKOK, Thailand - The taxiways are cracked, the terminal has leaks and some airlines even wonder whether it's safe to fly into Thailand's new international airport.

New Thailand airport off to rough start Feb. 2, 2007
BANGKOK, Thailand - The taxiways are cracked, the terminal has leaks and some airlines even wonder whether it's safe to fly into Thailand's new international airport.